How to Get Lower Car Insurance Rates in Athens

Did a good deal turn into an underperforming, overpriced insurance policy? It's a common feeling and you are not the only one feeling buyer's remorse.

A study showed that nearly 70% of customers have been with the same company for well over three years, and nearly the majority have never compared insurance rates at all. With the average premium in Alabama being $1,334, drivers could save themselves up to 40% a year, but they don't believe how much money they would save if they just switched companies. There is such a variety of insurance companies to purchase coverage from, and although it's a good thing to have multiple companies, lots of choices makes it harder to compare rates and find the lowest cost insurance.

Finding quotes for the best protection in Athens is quite easy. If you're already insured or just want cheaper rates, you will benefit by learning to find the best rates without reducing coverage. Smart buyers just need to use the least time-consuming way to shop their coverage around using one simple form.

Quote Athens auto insurance online

Most of the larger companies like Allstate and Progressive give coverage prices online. The process is pretty easy as you just enter your coverage information into the form. Upon sending the form, the system will order your credit score and driving record and gives you a price quote determined by many factors. The ability to get online price quotes helps simplify price comparisons, and it's absolutely necessary to compare as many rates as possible if you want to find the lowest payment possible.

To save time and use this form to compare rates, compare quotes from the companies shown below. To compare your current rates, we recommend you type in deductibles and limits exactly as shown on your declarations page. Doing this guarantees you will be getting a price comparison using the same coverage and limits.

The following companies have been selected to offer free rate quotes in Alabama. If the list has multiple companies, it's highly recommended you compare several of them to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Athens
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $782 $391 $65
Chevrolet Malibu LTZ $1,438 $719 $120
Chevrolet Silverado LS Regular Cab 2WD $1,064 $532 $89
Dodge Ram Quad Cab SLT 4WD $1,078 $539 $90
Ford Escape XLS 4WD $676 $338 $56
Ford F-150 STX Regular Cab 2WD $1,180 $590 $98
Ford Focus SEL 4-Dr Sedan $1,086 $543 $91
Honda Accord LX 4-Dr Sedan $1,012 $506 $84
Honda CR-V LX 2WD $884 $442 $74
Honda Civic LX 4-Dr Sedan $1,228 $614 $102
Honda Odyssey EX-L W/Rear Entertainment $1,226 $613 $102
Nissan Altima 2.5 S 4-Dr Sedan $936 $468 $78
Toyota Camry LE $990 $495 $83
Toyota Corolla LE $1,088 $544 $91
Toyota Prius $1,074 $537 $90
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Table data does not factor in vehicle garaging location which can revise prices noticeably.

Violations and accidents raise rates

The illustration below illustrates how traffic citations and fender-benders drive up Honda Civic car insurance costs for different age groups. The price estimates are based on a single female driver, full coverage, $250 deductibles, and no additional discounts are factored in.

Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.

Full coverage versus liability-only

The example below shows the comparison of Dodge Ram car insurance costs with full coverage compared to only the Alabama minimum liability coverage. The premiums are based on no violations or claims, $1,000 deductibles, married male driver, and no discounts are taken into consideration.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

When to eliminate full coverage

There is no written rule to stop paying for full coverage, but there is a broad guideline. If the yearly cost of full coverage is about 10% or more of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let's assume your Dodge Ram replacement cost is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $4,000 after the policy deductible has been paid. If it's costing in excess of $400 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some conditions where buying only liability insurance is not recommended. If you haven't paid off your loan, you are required to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Save money on car insurance with these discounts

Some insurers do not advertise every policy discount very well, so the list below contains both the well known in addition to some of the lesser obvious credits available to lower your premiums when you buy Athens auto insurance online. If you do not double check each discount possible, you are just wasting money.Save money with discounts

You can save money using discounts, but some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as comp or med pay. Even though the math looks like you can get free auto insurance, it's just not the way it works.

Companies and their offered discounts include:

It's a good idea to ask each company which discounts you may be entitled to. Some discounts might not be offered on policies everywhere. To locate car insurance companies that offer many of these discounts in Alabama, click here.

Compare rates but buy from a local neighborhood Athens car insurance agent

A small number of people still like to go talk to an agent and that can be a great decision Professional agents are very good at helping people manage risk and give you someone to call. The biggest benefit of comparing car insurance online is the fact that drivers can get cheap car insurance quotes and still have an agent to talk to. And providing support for local agents is still important in Athens.

Athens insurance agentsTo make it easy to find an agent, after completing this simple form, the quote information is emailed to local insurance agents in Athens who will give competitive quotes for your insurance coverage. There is no reason to do any legwork as quotes are delivered to your email. If for some reason you want to quote rates from one company in particular, feel free to find their quoting web page and submit a quote form there.

Finding a good insurance company requires you to look at more than just the bottom line cost. You should also get answers to these questions.

Upon receiving positive feedback to any questions you may have and locked in a price quote, you may have found an provider that can be trusted to provide car insurance coverage. Just keep in mind it's your policy and you can cancel coverage for any reason so don't feel you are locked into a specific company indefinitely.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really isn't a one size fits all plan. Your needs are not the same as everyone else's so your insurance needs to address that.Higher deductibles save money These are some specific questions could help you determine if your insurance needs would benefit from professional advice.

If you can't answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

How your Athens rates are determined

When buying auto insurance it's important to understand the different types of things that aid in calculating the level of your policy premiums. When consumers understand what impacts premium levels, this enables you to make decisions that can help you get much lower annual insurance costs.

Listed below are a few of the "ingredients" used by your company to calculate prices.

Urban residents pay more - Living in a small town is a good thing when it comes to auto insurance. City drivers have more aggressive driving styles and more severe claims. Less people corresponds to lower accident rates and lower theft and vandalism rates.

Is insurance cheaper for men or women? - Over the last 30 years, statistics show that men are more aggressive behind the wheel. However, don't assume that females are better drivers. Both sexes are in at-fault accidents in similar percentages, but the males tend to have higher claims. Men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.

Influences performance influences rates - The performance of the vehicle you need insurance for makes a substantial difference in how high your rates are. The best insurance prices will generally be found on lower cost passenger vehicles, but other factors influence the final cost greatly.

Bump up coverage deductibles to lower rates - Insurance for physical damage to your car, aka comp and collision, is used to repair damage to your car. Some instances where coverage would apply are a broken windshield, damage from fire, and burglary. Comp and collision deductibles define how much you are willing to pay before a claim is paid by your company. The more you are required to pay out-of-pocket, the lower your rates will be.

Safer vehicles lower auto insurance rates - Vehicles with good safety scores are cheaper to insure. Safe vehicles protect occupants better and fewer serious injuries translates into savings for insurance companies and lower rates for you. If your car is rated at a minimum four stars on Safercar.gov or an "acceptable" rating on iihs.org you are probably receiving a discount.

Save by driving less - The more you drive your car every year the more it will cost to insure it. A lot of companies apply a rate based upon how you use the vehicle. Vehicles not used for work or commuting cost less to insure than cars that get driven a lot. It's a smart idea to ensure your auto insurance policy states the correct usage for each vehicle, because improper ratings can cost you money.

Avoid unnecessary incidental coverages - There are a ton of extra coverages that can waste your money if you aren't diligent. Insurance for things like rental car coverage, accidental death, and extra equipment coverage are probably not needed. These may sound like a good investment when you first buy your policy, but if you don't need them eliminate the coverages to reduce your premium.

Car insurance in Alabama serves several purposes

Despite the high cost of buying insurance in Athens, insuring your vehicle may be required for several reasons.

The benefits of buying car insurance definitely exceed the price paid, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver is overpaying over $820 a year so compare rates at every renewal to help ensure money is not being wasted.

Insurance claim statistics

Which vehicles are likely to have claims? The next tables show the worst and best manufacturer models for likelihood of having large claims for each type of coverage.

Lowest and Highest Car Insurance Comprehensive Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Infiniti QX50 BMW M6
Chevy Silverado 2500 Maserati Quattroporte
Chevy Spark Maserati Granturismo
Ford F-350 Bentley Continental GTC
Smart ForTwo BMW M6
Nissan Leaf Bentley Continental GT

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Car Insurance Medical Payment Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Corvette Kia Forte
Tesla Model S Nissan Sentra
Ford F-350 SuperCrew Mitsubishi Mirage
Land Rover Range Rover Sport Hyundai Accent
Audi A4 Allroad Mitsubishi Lancer
Ford F-250 SuperCrew Chevrolet Sonic

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Liability Coverage Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Subaru Forester Dodge Charger
Subaru Outback Kia Rio
Volvo XC60 Hyndai Accent
Audi A6 Mitsubishi Mirage
Acura MDX Kia Optima
Chevrolet Corvette Chevrolet Cruze

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Car Insurance Collision Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Colorado Nissan GT-R
Ford F-250 SuperCab Bentley Continental Flying Spur
Nissan Xterra Ferrari 458
Smart ForTwo BMW M6
Jeep Wrangler BMW 6 Series
Ford F-150 SuperCrew Bently Continental GT

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Be persistent to save money

More affordable insurance in Athens can be sourced online in addition to many Athens insurance agents, so you should compare both to have the best chance of lowering rates. A few companies don't offer the ability to get quotes online and these regional carriers only sell through local independent agencies.

As you quote Athens auto insurance, it's very important that you do not skimp on critical coverages to save a buck or two. There are many occasions where an insured cut liability coverage limits to discover at claim time that it was a big mistake. Your focus should be to buy enough coverage at a price you can afford, but do not skimp to save money.

In this article, we covered a lot of ways to find cheaper coverage online. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest priced insurance comes from a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

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